Financial Services / Banks - DiversifiedNYSE
$12.38
-0.10 (-0.84%)
Book/ROE base 3Y
n/d
n/d CAGR · P/B n/d
Book/ROE base 5Y
n/d
n/d base · n/d expected
Precio de entrada
n/d
MOS 100% · confianza 20%
Book/ROE escenarios
weak_data · book/share n/d · quality 49.0/100
Ranking barato/determinista: CAGR esperado 5Y + downside bear + calidad del modelo + balance + capital allocation + data gate. No entra en buy-candidate si la data es débil o el CAGR 5Y no compensa.
SA Score
38/100
D
Piotroski
4/9
balance/quality
Valuation
50/100
+0.0% upside
5Y CAGR
+0.0%
50/100
Data QA
16/100
SEC 0%
Sin guardar todavía.
Market Cap
$178.2B
P/E
12.0x
↓EV/EBITDA
N/A
•ROE
13.7%
↑Gross Margin
N/A
•Debt/Equity
3.16
↑TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2022–2025 · 3 años de histórico normalizado
Revenue CAGR
+3.4%
FCF CAGR
—
FCF margin
-37.5%
FCF / Net income
-1.60x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $60.02B · net income $14.10B · FCF $-22.49B
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Income Statement | |||||
| Revenue | $60.02B | $60.02B | $60.30B | $56.69B | $54.22B |
| Net Income | $14.10B | $14.10B | $12.57B | $11.08B | $9.61B |
| EPS | 0.90 | 0.90 | 0.77 | 0.65 | 0.54 |
| Net Margin | 23.5% | 23.5% | 20.9% | 19.5% | 17.7% |
| Balance Sheet | |||||
| Debt/Equity | 3.16 | 3.16 | 3.32 | 3.26 | 3.18 |
| Cash Flow | |||||
| Free Cash Flow | $-22.49B | $-22.49B | $-34.75B | $-8.63B | $16.87B |
| Returns | |||||
| ROE | 13.7% | 13.7% | 12.8% | 11.6% | 10.8% |
| Valuation | |||||
| P/E | 12.01 | 12.01 | 5.85 | 6.51 | 5.96 |
| P/B | 1.80 | 1.80 | 0.71 | 0.72 | 0.61 |
| Growth & Yield | |||||
| Revenue Growth | -0.5% | -0.5% | 6.4% | 4.6% | — |
| EPS Growth | 17.2% | 17.2% | 18.0% | 21.2% | — |
| Dividend Yield | 2.2% | 2.2% | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
6.9%
EPS terminal req.
$1.10
Spread vs growth
10.3%
5Y implied EPS CAGR
8.1%
EPS terminal req.
$1.33
Spread vs growth
9.1%
10Y implied EPS CAGR
9.0%
EPS terminal req.
$2.14
Spread vs growth
8.1%
Qué te dice: cuánto EPS CAGR está descontando el precio si sales al múltiplo terminal indicado. Si el growth observado queda por debajo, el mercado está pidiendo una ejecución muy fina.
Total return
+57.5%
Start / end P/E
10.4x → 13.8x
EPS bridge
0.77 → 0.90
Residual
+5.6%
Simple additive decomposition: total return = EPS growth contribution + P/E multiple contribution + dividend contribution + explicit residual. The residual captures cross-terms, buybacks/share-count effects, FX, special dividends, data noise and methodology mismatch so the bridge always reconciles.